What is Bread?
We’ve teamed up with Bread® to offer the $19.99/mo Rent to Own option which lets you get VSX today and pay it down over 24 months without interest. Bread’s no-impact credit verification process uses your name and phone number to prequalify your order at checkout. Most credit scores are approved within 30 seconds, and this soft credit check does not impact your credit score.
How Payments Work
To rent to own a pair of VSX, you only need to have $19.99 available on your debit or credit card each month and Bread’s autopay option makes it easy to stay on schedule. If a payment is missed for some reason, Bread will send you a reminder email to complete that month’s payment.
You can use any US debit card, credit card, or ACH transfer with the Rent to Own plan. While you’ll have 24 months to pay the total balance, you can always pay more than the monthly minimum if you’d like to pay off the installments earlier. There is no fee for paying early.
Are there any restrictions?
At this time, the Rent to Own plan is only offered in the US and is not offered in Idaho, Iowa, or West Virginia.
When is my first payment due?
Your first payment won’t be due for at least 30 days after checkout. One week before your payment is due, you’ll receive an email from Bread reminding you of any upcoming installments. After purchase, Bread will email you with login credentials so you can access your account and view information regarding your purchase.
What if my card expires?
If your debit or credit card expires, you’ll receive a reminder email so you can update your card information and there is no penalty for switching cards. If you’re using a credit card, you’ll still enjoy the points and rewards as you would with other transactions.
If for some reason you want to return VSX within 30 days for a full refund, any payments made will be returned to you, minus any shipping fees if applicable.
More information is available at breadpayments.com/shoppers-faq